so well, chris and we've had these conversations, as you mentioned, the fiscal cliff and debt ceiling debate and last minute flurry of activity and senators making triumphant returns for the holidays to be there in washington to get it done. do you see a difference this time there in d.c.? >> yeah, i think there's quite a sizable difference and that's because of the fact that with the debt ceiling, if you reach that point, we would have gone into either a technical or a practical default, jeopardizing the faith and credit of the american financial system. with a fiscal cliff, everybody's taxes would have gone up. the dramatic thing about the sequester is how undramatic it is. on march 2nd, nobody's going to notice a difference. the government doesn't shut down, none of the cuts are going into effect and it's really less a cliff and more a kind of a gentle slope because of the fact it takes a while for the cuts to kick in. in fact, the furloughs and layoffs that people are talking about, they have to give 60 days notice and that won't happen until the end of april, again, all the more